La catena delle opzioni mostra i dati chiave delle opzioni azionarie di Cullen/Frost Bankers a vari prezzi di esercizio e date di scadenza. I trader utilizzano queste informazioni per analizzare potenziali operazioni e valutare il sentiment del mercato per Cullen/Frost Bankers..

Cullen/Frost Bankers (NYSE:CFR) Azioni, Catena delle Opzioni

Cullen/Frost Bankers

Cullen/Frost is a regional us bank with around $50 billion in assets (as of 2023 year-end), and it focuses exclusively on the Texas market. The bank has deep expertise in this market. It has implemented a relationship-based approach to banking that has garnered a strong market share in San Antonio. Cullen/Frost is also expanding into Houston, Dallas, and Austin market regions through branch openings. The bank's sweet spot is small to medium-size Texas-based commercial clients.

Cullen/Frost Bankers Inc

CIE FINANCIERE RICHMN NEW by Compagnie Financiere Richemont AG

Compagnie Financiere Richemont SA

CONFORCE INTL INC by Conforce International, Inc.

CHINA AIRCRAFT LEASING GP by China Aircraft Leasing Group Holdings Ltd.

China Aircraft Leasing Group Holdings Ltd

Compagnie Financiere Richemont SA Warrants - Class A Richemont (29/11/2023)

COMPAGNIE FNCE RCH UN/ADR by Compagnie Financiere Richemont AG

ContraFect Corp

CONTRAFECT CORP by ContraFect Corporation

Cullen/Frost Bankers, Inc. Depositary Shares, each representing a 1/40th ownership interest in a share of 4.450% non-cumulative perpetual preferred stock, Series B

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Shares of banking-related companies are trading higher after Donald Trump won the US presidential election.

<p>Compass Point  analyst David Rochester   maintains Cullen/Frost Bankers (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/CFR#NYSE">CFR</a>) with a Neutral and raises the price target from $111 to $122.</p>


News

Price Target

Analyst Ratings

Compass Point Maintains Neutral on Cullen/Frost Bankers, Raises Price Target to $122

<p>In the last three months, 8 analysts have published ratings on Cullen/Frost Bankers (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/CFR#NYSE">CFR</a>), offering a diverse range of perspectives from bullish to bearish.</p>
<p>In the table below, you'll find a summary of their recent ratings, revealing the shifting sentiments over the past 30 days and comparing them to the previous months.</p>
<table>
<thead>
<tr>
<th></th>
<th style="text-align: right;"><strong>Bullish</strong></th>
<th style="text-align: right;"><strong>Somewhat Bullish</strong></th>
<th style="text-align: right;"><strong>Indifferent</strong></th>
<th style="text-align: right;"><strong>Somewhat Bearish</strong></th>
<th style="text-align: right;"><strong>Bearish</strong></th>
</tr>
</thead>
<tbody>
<tr>
<td><strong>Total Ratings</strong></td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">4</td>
<td style="text-align: right;">2</td>
<td style="text-align: right;">2</td>
</tr>
<tr>
<td><strong>Last 30D</strong></td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">1</td>
</tr>
<tr>
<td><strong>1M Ago</strong></td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">2</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
</tr>
<tr>
<td><strong>2M Ago</strong></td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">2</td>
<td style="text-align: right;">2</td>
<td style="text-align: right;">1</td>
</tr>
<tr>
<td><strong>3M Ago</strong></td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
</tr>
</tbody>
</table>
<p>Analysts have set 12-month price targets for Cullen/Frost Bankers, revealing an average target of $120.12, a high estimate of $136.00, and a low estimate of $104.00. This upward trend is apparent, with the current average reflecting a 1.37% increase from the previous average price target of $118.50.</p>
<p><img src="https://www.benzinga.com/files/images/story/2024/1730739656_0_0.png" alt="price target chart" /></p>
<h2>Diving into Analyst Ratings: An In-Depth Exploration</h2>
<p>A clear picture of Cullen/Frost Bankers's perception among financial experts is painted with a thorough analysis of recent analyst actions. The summary below outlines key analysts, their recent evaluations, and adjustments to ratings and price targets.</p>
<table>
<thead>
<tr>
<th>Analyst</th>
<th>Analyst Firm</th>
<th>Action Taken</th>
<th>Rating</th>
<th>Current Price Target</th>
<th>Prior Price Target</th>
</tr>
</thead>
<tbody>
<tr>
<td>Ben Gerlinger</td>
<td>Citigroup</td>
<td>Raises</td>
<td>Sell</td>
<td>$113.00</td>
<td>$104.00</td>
</tr>
<tr>
<td>Matt Olney</td>
<td>Stephens &amp; Co.</td>
<td>Raises</td>
<td>Equal-Weight</td>
<td>$136.00</td>
<td>$125.00</td>
</tr>
<tr>
<td>Jon Arfstrom</td>
<td>RBC Capital</td>
<td>Raises</td>
<td>Sector Perform</td>
<td>$130.00</td>
<td>$118.00</td>
</tr>
<tr>
<td>John Pancari</td>
<td>Evercore ISI Group</td>
<td>Lowers</td>
<td>Underperform</td>
<td>$115.00</td>
<td>$123.00</td>
</tr>
<tr>
<td>Ben Gerlinger</td>
<td>Citigroup</td>
<td>Lowers</td>
<td>Sell</td>
<td>$104.00</td>
<td>$107.00</td>
</tr>
<tr>
<td>Manan Gosalia</td>
<td>Morgan Stanley</td>
<td>Lowers</td>
<td>Underweight</td>
<td>$117.00</td>
<td>$121.00</td>
</tr>
<tr>
<td>David Chiaverini</td>
<td>Wedbush</td>
<td>Lowers</td>
<td>Neutral</td>
<td>$123.00</td>
<td>$124.00</td>
</tr>
<tr>
<td>Brandon King</td>
<td>Truist Securities</td>
<td>Lowers</td>
<td>Hold</td>
<td>$123.00</td>
<td>$126.00</td>
</tr>
</tbody>
</table>
<h3>Key Insights:</h3>
<ul>
<li><strong>Action Taken:</strong> Analysts frequently update their recommendations based on evolving market conditions and company performance. Whether they 'Maintain', 'Raise' or 'Lower' their stance, it reflects their reaction to recent developments related to Cullen/Frost Bankers. This information provides a snapshot of how analysts perceive the current state of the company.</li>
<li><strong>Rating:</strong> Analysts unravel qualitative evaluations for stocks, ranging from 'Outperform' to 'Underperform'. These ratings offer insights into expectations for the relative performance of Cullen/Frost Bankers compared to the broader market.</li>
<li><strong>Price Targets:</strong> Analysts set price targets as an estimate of a stock's future value. Comparing the current and prior price targets provides insight into how analysts' expectations have changed over time. This information can be valuable for investors seeking to understand consensus views on the stock's potential future performance.</li>
</ul>
<p>To gain a panoramic view of Cullen/Frost Bankers's market performance, explore these analyst evaluations alongside essential financial indicators. Stay informed and make judicious decisions using our Ratings Table.</p>
<p><a href="https://www.benzinga.com/quote/CFR/analyst-ratings?utm_source=Benzinga Insights"><strong>Stay up to date on Cullen/Frost Bankers analyst ratings.</strong></a></p>
<h2>All You Need to Know About Cullen/Frost Bankers</h2>
<p>Cullen/Frost is a regional us bank with around $50 billion in assets (as of 2023 year-end), and it focuses exclusively on the Texas market. The bank has deep expertise in this market. It has implemented a relationship-based approach to banking that has garnered a strong market share in San Antonio. Cullen/Frost is also expanding into Houston, Dallas, and Austin market regions through branch openings. The bank's sweet spot is small to medium-size Texas-based commercial clients.</p>
<h3>Financial Milestones: Cullen/Frost Bankers's Journey</h3>
<p><strong>Market Capitalization:</strong> With restricted market capitalization, the company is positioned below industry averages. This reflects a smaller scale relative to peers.</p>
<p><strong>Positive Revenue Trend:</strong> Examining Cullen/Frost Bankers's financials over 3 months reveals a positive narrative. The company achieved a noteworthy revenue growth rate of <strong>5.42%</strong> as of 30 September, 2024, showcasing a substantial increase in top-line earnings. When compared to others in the Financials sector, the company faces challenges, achieving a growth rate lower than the average among peers.</p>
<p><strong>Net Margin:</strong> Cullen/Frost Bankers's net margin is below industry standards, pointing towards difficulties in achieving strong profitability. With a net margin of <strong>27.65%,</strong> the company may encounter challenges in effective cost control.</p>
<p><strong>Return on Equity (ROE):</strong> Cullen/Frost Bankers's financial strength is reflected in its exceptional ROE, which exceeds industry averages. With a remarkable ROE of <strong>3.81%,</strong> the company showcases efficient use of equity capital and strong financial health.</p>
<p><strong>Return on Assets (ROA):</strong> The company's ROA is a standout performer, exceeding industry averages. With an impressive ROA of <strong>0.29%,</strong> the company showcases effective utilization of assets.</p>
<p><strong>Debt Management:</strong> With a below-average debt-to-equity ratio of <strong>0.06</strong>, Cullen/Frost Bankers adopts a prudent financial strategy, indicating a balanced approach to debt management.</p>
<h2>Analyst Ratings: Simplified</h2>
<p>Analyst ratings serve as essential indicators of stock performance, provided by experts in banking and financial systems. These specialists diligently analyze company financial statements, participate in conference calls, and engage with insiders to generate quarterly ratings for individual stocks.</p>
<p>Analysts may supplement their ratings with predictions for metrics like growth estimates, earnings, and revenue, offering investors a more comprehensive outlook. However, investors should be mindful that analysts, like any human, can have subjective perspectives influencing their forecasts.</p>
<p><strong>Breaking: Wall Street's Next Big Mover</strong></p>
<p>Benzinga's #1 analyst just identified a stock poised for explosive growth. This under-the-radar company could surge 200%+ as major market shifts unfold. <a href="https://www.benzinga.com/premium/ideas/turning-point-trader-checkout-2/?t=Tu1tu3arja3be22tu36&amp;utm_source=benzinga-insights"><strong>Click here for urgent details</strong></a>.</p>
<p>This article was generated by Benzinga's automated content engine and reviewed by an editor.</p>


Navigating 8 Analyst Ratings For Cullen/Frost Bankers

<p>Citigroup  analyst Ben Gerlinger   maintains Cullen/Frost Bankers (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/CFR#NYSE">CFR</a>) with a Sell and raises the price target from $104 to $113.</p>


Citigroup Maintains Sell on Cullen/Frost Bankers, Raises Price Target to $113

<p>Stephens &amp; Co.  analyst Matt Olney   maintains Cullen/Frost Bankers (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/CFR#NYSE">CFR</a>) with a Equal-Weight and raises the price target from $125 to $136.</p>


Stephens & Co. Maintains Equal-Weight on Cullen/Frost Bankers, Raises Price Target to $136

<p>RBC Capital  analyst Jon Arfstrom   maintains Cullen/Frost Bankers (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/CFR#NYSE">CFR</a>) with a Sector Perform and raises the price target from $118 to $130.</p>


RBC Capital Maintains Sector Perform on Cullen/Frost Bankers, Raises Price Target to $130

<p>Cullen/Frost Bankers (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/CFR#NYSE">CFR</a>) reported quarterly earnings of $2.24 per share which beat the analyst consensus estimate of $2.16 by 3.7 percent. This is a 5.88 percent decrease over earnings of $2.38 per share from the same period last year.  The company reported quarterly sales of $518.038 million which missed the analyst consensus estimate of $523.644 million by 1.07 percent.  This is a 5.42 percent increase over sales of $491.424 million the same period last year.</p>


Earnings

Earnings Beats

Earnings Misses

Cullen/Frost Bankers Q3 2024 GAAP EPS $2.24 Beats $2.16 Estimate, Sales $518.038M Miss $523.644M Estimate

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Shares of banking and financial services stocks are trading higher following better-than-expected financial results from JPMorgan Chase and Wells Fargo.

<p>Evercore ISI Group  analyst John Pancari   maintains Cullen/Frost Bankers (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/CFR#NYSE">CFR</a>) with a Underperform and lowers the price target from $123 to $115.</p>


Evercore ISI Group Maintains Underperform on Cullen/Frost Bankers, Lowers Price Target to $115

<p>Citigroup  analyst Ben Gerlinger   maintains Cullen/Frost Bankers (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/CFR#NYSE">CFR</a>) with a Sell and lowers the price target from $107 to $104.</p>


Citigroup Maintains Sell on Cullen/Frost Bankers, Lowers Price Target to $104

<p>Morgan Stanley  analyst Manan Gosalia   maintains Cullen/Frost Bankers (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/CFR#NYSE">CFR</a>) with a Underweight and lowers the price target from $121 to $117.</p>


Morgan Stanley Maintains Underweight on Cullen/Frost Bankers, Lowers Price Target to $117

<p>Wedbush  analyst David Chiaverini   maintains Cullen/Frost Bankers (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/CFR#NYSE">CFR</a>) with a Neutral and lowers the price target from $124 to $123.</p>


Wedbush Maintains Neutral on Cullen/Frost Bankers, Lowers Price Target to $123

<p>Cullen/Frost Bankers (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/CFR#NYSE">CFR</a>) has been analyzed by 12 analysts in the last three months, revealing a diverse range of perspectives from bullish to bearish.</p>
<p>The following table provides a quick overview of their recent ratings, highlighting the changing sentiments over the past 30 days and comparing them to the preceding months.</p>
<table>
<thead>
<tr>
<th></th>
<th style="text-align: right;"><strong>Bullish</strong></th>
<th style="text-align: right;"><strong>Somewhat Bullish</strong></th>
<th style="text-align: right;"><strong>Indifferent</strong></th>
<th style="text-align: right;"><strong>Somewhat Bearish</strong></th>
<th style="text-align: right;"><strong>Bearish</strong></th>
</tr>
</thead>
<tbody>
<tr>
<td><strong>Total Ratings</strong></td>
<td style="text-align: right;">1</td>
<td style="text-align: right;">1</td>
<td style="text-align: right;">8</td>
<td style="text-align: right;">2</td>
<td style="text-align: right;">0</td>
</tr>
<tr>
<td><strong>Last 30D</strong></td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">1</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
</tr>
<tr>
<td><strong>1M Ago</strong></td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
</tr>
<tr>
<td><strong>2M Ago</strong></td>
<td style="text-align: right;">1</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">4</td>
<td style="text-align: right;">1</td>
<td style="text-align: right;">0</td>
</tr>
<tr>
<td><strong>3M Ago</strong></td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">1</td>
<td style="text-align: right;">3</td>
<td style="text-align: right;">1</td>
<td style="text-align: right;">0</td>
</tr>
</tbody>
</table>
<p>The 12-month price targets, analyzed by analysts, offer insights with an average target of $119.83, a high estimate of $134.00, and a low estimate of $100.00. Witnessing a positive shift, the current average has risen by 2.2% from the previous average price target of $117.25.</p>
<p><img src="https://www.benzinga.com/files/images/story/2024/1726851630_0.png" alt="price target chart" /></p>
<h2>Deciphering Analyst Ratings: An In-Depth Analysis</h2>
<p>The standing of Cullen/Frost Bankers among financial experts is revealed through an in-depth exploration of recent analyst actions. The summary below outlines key analysts, their recent evaluations, and adjustments to ratings and price targets.</p>
<table>
<thead>
<tr>
<th>Analyst</th>
<th>Analyst Firm</th>
<th>Action Taken</th>
<th>Rating</th>
<th>Current Price Target</th>
<th>Prior Price Target</th>
</tr>
</thead>
<tbody>
<tr>
<td>Brandon King</td>
<td>Truist Securities</td>
<td>Lowers</td>
<td>Hold</td>
<td>$123.00</td>
<td>$126.00</td>
</tr>
<tr>
<td>Manan Gosalia</td>
<td>Morgan Stanley</td>
<td>Raises</td>
<td>Underweight</td>
<td>$121.00</td>
<td>$112.00</td>
</tr>
<tr>
<td>Brandon King</td>
<td>Truist Securities</td>
<td>Raises</td>
<td>Hold</td>
<td>$126.00</td>
<td>$102.00</td>
</tr>
<tr>
<td>Matt Olney</td>
<td>Stephens &amp; Co.</td>
<td>Raises</td>
<td>Equal-Weight</td>
<td>$131.00</td>
<td>$116.00</td>
</tr>
<tr>
<td>David Chiaverini</td>
<td>Wedbush</td>
<td>Raises</td>
<td>Neutral</td>
<td>$124.00</td>
<td>$106.00</td>
</tr>
<tr>
<td>Peter Winter</td>
<td>DA Davidson</td>
<td>Raises</td>
<td>Buy</td>
<td>$134.00</td>
<td>$127.00</td>
</tr>
<tr>
<td>Jon Arfstrom</td>
<td>RBC Capital</td>
<td>Raises</td>
<td>Sector Perform</td>
<td>$120.00</td>
<td>$119.00</td>
</tr>
<tr>
<td>Jon Arfstrom</td>
<td>RBC Capital</td>
<td>Raises</td>
<td>Sector Perform</td>
<td>$119.00</td>
<td>$118.00</td>
</tr>
<tr>
<td>Brandon King</td>
<td>Truist Securities</td>
<td>Lowers</td>
<td>Hold</td>
<td>$102.00</td>
<td>$115.00</td>
</tr>
<tr>
<td>Casey Haire</td>
<td>Jefferies</td>
<td>Lowers</td>
<td>Hold</td>
<td>$108.00</td>
<td>$117.00</td>
</tr>
<tr>
<td>Steven Alexopoulos</td>
<td>JP Morgan</td>
<td>Lowers</td>
<td>Overweight</td>
<td>$130.00</td>
<td>$140.00</td>
</tr>
<tr>
<td>John Pancari</td>
<td>Evercore ISI Group</td>
<td>Lowers</td>
<td>Underperform</td>
<td>$100.00</td>
<td>$109.00</td>
</tr>
</tbody>
</table>
<h3>Key Insights:</h3>
<ul>
<li><strong>Action Taken:</strong> Analysts respond to changes in market conditions and company performance, frequently updating their recommendations. Whether they 'Maintain', 'Raise' or 'Lower' their stance, it reflects their reaction to recent developments related to Cullen/Frost Bankers. This information offers a snapshot of how analysts perceive the current state of the company.</li>
<li><strong>Rating:</strong> Delving into assessments, analysts assign qualitative values, from 'Outperform' to 'Underperform'. These ratings communicate expectations for the relative performance of Cullen/Frost Bankers compared to the broader market.</li>
<li><strong>Price Targets:</strong> Analysts set price targets as an estimate of a stock's future value. Comparing the current and prior price targets provides insight into how analysts' expectations have changed over time. This information can be valuable for investors seeking to understand consensus views on the stock's potential future performance.</li>
</ul>
<p>Understanding these analyst evaluations alongside key financial indicators can offer valuable insights into Cullen/Frost Bankers's market standing. Stay informed and make well-considered decisions with our Ratings Table.</p>
<p><a href="https://www.benzinga.com/quote/CFR/analyst-ratings?utm_source=Benzinga Insights"><strong>Stay up to date on Cullen/Frost Bankers analyst ratings.</strong></a></p>
<h2>All You Need to Know About Cullen/Frost Bankers</h2>
<p>Cullen/Frost Bankers is a financial holding company, The company offer commercial and consumer banking services, as well as trust and investment management, insurance, brokerage, mutual funds, leasing, treasury management, capital markets advisory and item processing services across Texas in the Austin, Corpus Christi, Dallas, Fort Worth, Houston, Permian Basin, Rio Grande Valley, and San Antonio regions.</p>
<h3>Unraveling the Financial Story of Cullen/Frost Bankers</h3>
<p><strong>Market Capitalization Perspectives:</strong> The company's market capitalization falls below industry averages, signaling a relatively smaller size compared to peers. This positioning may be influenced by factors such as perceived growth potential or operational scale.</p>
<p><strong>Revenue Growth:</strong> Cullen/Frost Bankers displayed positive results in 3 months. As of 30 June, 2024, the company achieved a solid revenue growth rate of approximately <strong>3.91%</strong>. This indicates a notable increase in the company's top-line earnings. As compared to its peers, the company achieved a growth rate higher than the average among peers in Financials sector.</p>
<p><strong>Net Margin:</strong> Cullen/Frost Bankers's net margin surpasses industry standards, highlighting the company's exceptional financial performance. With an impressive <strong>27.99%</strong> net margin, the company effectively manages costs and achieves strong profitability.</p>
<p><strong>Return on Equity (ROE):</strong> Cullen/Frost Bankers's ROE excels beyond industry benchmarks, reaching <strong>4.05%</strong>. This signifies robust financial management and efficient use of shareholder equity capital.</p>
<p><strong>Return on Assets (ROA):</strong> Cullen/Frost Bankers's financial strength is reflected in its exceptional ROA, which exceeds industry averages. With a remarkable ROA of <strong>0.29%,</strong> the company showcases efficient use of assets and strong financial health.</p>
<p><strong>Debt Management:</strong> With a below-average debt-to-equity ratio of <strong>0.06</strong>, Cullen/Frost Bankers adopts a prudent financial strategy, indicating a balanced approach to debt management.</p>
<h2>Analyst Ratings: What Are They?</h2>
<p>Analysts are specialists within banking and financial systems that typically report for specific stocks or within defined sectors. These people research company financial statements, sit in conference calls and meetings, and speak with relevant insiders to determine what are known as analyst ratings for stocks. Typically, analysts will rate each stock once a quarter. </p>
<p>Analysts may enhance their evaluations by incorporating forecasts for metrics like growth estimates, earnings, and revenue, delivering additional guidance to investors. It is vital to acknowledge that, although experts in stocks and sectors, analysts are human and express their opinions when providing insights.</p>
<p><strong>Breaking: Wall Street's Next Big Mover</strong></p>
<p>Benzinga's #1 analyst just identified a stock poised for explosive growth. This under-the-radar company could surge 200%+ as major market shifts unfold. <a href="https://www.benzinga.com/premium/ideas/turning-point-trader-checkout-2/?t=Tu1tu3arja3be22tu36&amp;utm_source=benzinga-insights"><strong>Click here for urgent details</strong></a>.</p>
<p>This article was generated by Benzinga's automated content engine and reviewed by an editor.</p>


What 12 Analyst Ratings Have To Say About Cullen/Frost Bankers

<p>Truist Securities  analyst Brandon King   maintains Cullen/Frost Bankers (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/CFR#NYSE">CFR</a>) with a Hold and lowers the price target from $126 to $123.</p>


Truist Securities Maintains Hold on Cullen/Frost Bankers, Lowers Price Target to $123

<p>The <strong>Federal Reserve</strong>'s decision to reduce interest rates by 50 basis points on Wednesday has set the stage for a notable shift, particularly in the banking sector among <a href="https://www.benzinga.com/trading-ideas/small-cap-analysis">mid- and small-cap banks</a>.</p>
<p>With rates expected to drop further over the next two years, JPMorgan analyst Steven Alexopoulos believes this marks a crucial inflection point. This and further cuts should help boost banks' net interest margins (NIMs) while reigniting commercial loan demand. The steepening yield curve and easing credit concerns will help banks recalibrate deposit costs, improving performance across various segments.</p>
<p>Let's break down the investment opportunities among large-cap, mid-cap, and small-cap banks, as outlined by Alexopoulos.</p>
<h2 class="wp-block-heading">Large-Cap Banks: Poised For Growth</h2>
<h4 class="wp-block-heading"><strong>First Citizens BancShares</strong> (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/FCNCA#NASDAQ">FCNCA</a>)</h4>
<p>First Citizens stands out with its SVB segment likely to benefit from the Fed's cuts. With lower rates, the company expects a resurgence in venture capital (VC) investment and IPO activity. This should bolster its sizable SVB loans and deposits. Trading at a discount to peers, this stock offers a compelling value. Alexopoulos also sees potential for significant multiple expansion as the market re-rates it.</p>
<h4 class="wp-block-heading"><strong>Huntington Bancshares </strong>(NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/HBAN#NASDAQ">HBAN</a>)</h4>
<p>Huntington positions itself to take advantage of improving commercial and industrial (C&amp;I) loan demand by aggressively hiring bankers in growth markets like the Carolinas and Texas. As the Fed eases, the bank anticipates accelerated earnings, strong loan growth, and a solidified position in the sector.</p>
<h4 class="wp-block-heading"><strong>M&amp;T Bank (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/MTB#NYSE">MTB</a>)</strong></h4>
<p>As the Fed eases, M&amp;T's criticized loans should see an improvement in credit quality, particularly in the commercial real estate (CRE) sector. This will likely reduce the bank's need for high reserve levels and allow for increased buybacks. The analyst says that trading below its historical valuation, M&amp;T offers an opportunity for re-rating as the economic outlook brightens.</p>
<p><strong>Don't miss out on this unparalleled opportunity:</strong></p>
<ul>
<li><a href="https://www.benzinga.com/events/small-cap/global-small-cap-conference-2024/" target="_blank" rel="noreferrer noopener"><strong>Register now to secure your spot at Benzinga's Largest SmallCap Conference ever in Chicago!</strong></a></li>
</ul>
<h2 class="wp-block-heading">Mid-Cap Banks: Reaping The Benefits Of Lower Rates</h2>
<h4 class="wp-block-heading"><strong>Western Alliance (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/WAL#NYSE">WAL</a>)</strong></h4>
<p>Western Alliance will benefit from the lower rate environment, seizing opportunities to reduce deposit costs and ease credit concerns. According to Alexopoulos, its exposure to the startup economy and capital call lending positions it well to take advantage of a potential resurgence in venture capital and IPO markets, making it a standout mid-cap pick.</p>
<h4 class="wp-block-heading"><strong>Pinnacle Financial Partners (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/PNFP#NASDAQ">PNFP</a>)</strong></h4>
<p>Pinnacle plans to lower its high deposit rates, boosting net interest income (NII). The analyst says Pinnacle operates in high-growth markets in the Southeast and sports above-peer loan growth. This, combined with easing concerns around credit quality, makes it an attractive investment as the Fed continues its rate cuts.</p>
<h4 class="wp-block-heading"><strong>Cullen/Frost Bankers (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/CFR#NYSE">CFR</a>)</strong></h4>
<p>Despite its asset-sensitive balance sheet, Cullen/Frost will benefit from the Fed's cuts by focusing on organic expansion in Texas's fastest-growing cities. The potential for improved loan demand, especially in commercial real estate, should drive outsized growth. Alexopoulos sees this as presenting a revaluation opportunity for the stock.</p>
<h2 class="wp-block-heading">Small-Cap Banks: Ready For Resurgence</h2>
<h4 class="wp-block-heading"><strong>Live Oak Bank (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/LOB#NASDAQ">LOB</a>)</strong></h4>
<p>Live Oak, with most of its deposits in market-rate accounts, expects a significant reset in funding costs as rates decline. This niche growth bank plans to lead loan growth by capitalizing on improved borrower demand as borrowing cost uncertainty diminishes.</p>
<h4 class="wp-block-heading"><strong>Metropolitan Bank (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/MCB#NYSE">MCB</a>)</strong></h4>
<p>Metropolitan stands to benefit from easing concerns around its CRE loans, with the Fed's cuts reducing fears about credit quality. The bank's unique focus on niche sectors and proactive credit management positions it well for an economic rebound.</p>
<h4 class="wp-block-heading"><strong>Amalgamated Bank (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/AMAL#NASDAQ">AMAL</a>)</strong></h4>
<p>Amalgamated, a smaller player exposed to high credit risk profiles, will improve as rates decline. The bank's focus on social impact banking combined with a favorable rate environment should alleviate concerns around credit stress. Alexopoulos sees this as providing room for upside in its share price.</p>
<p>As the Fed signals further easing, banks across segments will capitalize on improving economic conditions, rising loan demand, and a recalibration of deposit costs. With the runway for a soft landing widened, now is a compelling time to consider these names for your portfolio.</p>
<p><strong>Read Next: </strong></p>
<ul>
<li><strong><a href="https://www.benzinga.com/news/24/09/40919822/small-cap-sectors-brace-for-fed-rate-cut-financials-real-estate-etfs-offer-compelling-plays-for-inve">Small-Cap Sectors Brace For Fed Rate Cut: Financials, Real Estate ETFs Offer Compelling Plays For Investors</a></strong></li>
</ul>
<p><em>Don't miss the opportunity to dominate in a volatile market at the<strong>&nbsp;<a href="https://www.benzinga.com/events/small-cap/global-small-cap-conference-2024/" target="_blank" rel="noreferrer noopener">Benzinga SmallCAP Conference on Oct. 9-10, 2024</a>,&nbsp;</strong>at the Chicago Marriott Downtown Magnificent Mile.</em></p>
<p><em>Get exclusive access to CEO presentations, 1:1 meetings with investors, and valuable insights from top financial experts. Whether you're a trader, entrepreneur, or investor, this event offers unparalleled opportunities to grow your portfolio and network with industry leaders.</em></p>
<p><a href="https://www.benzinga.com/events/small-cap/global-small-cap-conference-2024/" target="_blank" rel="noreferrer noopener"><em>Secure your spot and get your tickets today!</em></a></p>
<p><em>Image created using artificial intelligence via Midjourney.</em></p>


Analyst Color

Long Ideas

Federal Reserve

Trading Ideas

PNFP

Bank Stocks Hit Inflection Point After Fed's 50 Basis Point Cut, Analyst Reveals Top Picks

<p>Morgan Stanley  analyst Manan Gosalia   downgrades Cullen/Frost Bankers (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/CFR#NYSE">CFR</a>) from Equal-Weight to Underweight and raises the price target from $112 to $121.</p>


Downgrades

Morgan Stanley Downgrades Cullen/Frost Bankers to Underweight, Raises Price Target to $121

<p>Truist Securities  analyst Brandon King   maintains Cullen/Frost Bankers (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/CFR#NYSE">CFR</a>) with a Hold and raises the price target from $102 to $126.</p>


Truist Securities Maintains Hold on Cullen/Frost Bankers, Raises Price Target to $126

<p>Stephens &amp; Co.  analyst Matt Olney   maintains Cullen/Frost Bankers (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/CFR#NYSE">CFR</a>) with a Equal-Weight and raises the price target from $116 to $131.</p>


Stephens & Co. Maintains Equal-Weight on Cullen/Frost Bankers, Raises Price Target to $131

<p>Wedbush  analyst David Chiaverini   maintains Cullen/Frost Bankers (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/CFR#NYSE">CFR</a>) with a Neutral and raises the price target from $106 to $124.</p>


Wedbush Maintains Neutral on Cullen/Frost Bankers, Raises Price Target to $124

<p>DA Davidson  analyst Peter Winter   maintains Cullen/Frost Bankers (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/CFR#NYSE">CFR</a>) with a Buy and raises the price target from $127 to $134.</p>


DA Davidson Maintains Buy on Cullen/Frost Bankers, Raises Price Target to $134

Cullen/Frost Bankers, Inc. (CFR) Q3 2024 Earnings Call Transcript

Cullen/frost Bankers ( ($CFR) ) has released its Q3 earnings. Here is a breakdown of the information Cullen/frost Bankers presented to its investor...

Cullen/Frost Bankers Posts Mixed Third-Quarter Results

Companies in the Financial sector have received a lot of coverage today as analysts weigh in on China Construction Bank (CICHF – Research Report) a...

Analysts Offer Insights on Financial Companies: China Construction Bank (OtherCICHF) and Cullen/Frost Bankers (CFR)

Analysts have been eager to weigh in on the Financial sector with new ratings on Cullen/Frost Bankers (CFR – Research Report), Lazard (LAZ – Resear...

Analysts Offer Insights on Financial Companies: Cullen/Frost Bankers (CFR), Lazard (LAZ) and Lendingtree (TREE)

RBC Capital raised the firm's price target on Cullen/Frost (CFR) to $130 from $118 and keeps a Sector Perform rating on the shares after its Q3 ear...

Cullen/Frost price target raised to $130 from $118 at RBC Capital

In a report released yesterday, Peter Winter from D.A. Davidson maintained a Buy rating on Cullen/Frost Bankers (CFR – Research Report), with a pri...

D.A. Davidson Sticks to Their Buy Rating for Cullen/Frost Bankers (CFR)

Citi analyst Benjamin Gerlinger raised the firm's price target on Cullen/Frost (CFR) to $113 from $104 and keeps a Sell rating on the shares post t...

Cullen/Frost price target raised to $113 from $104 at Citi

In a report released today, John Pancari from Evercore ISI reiterated a Sell rating on Cullen/Frost Bankers (CFR – Research Report), with a price t...

Cullen/Frost Bankers (CFR) Receives a Sell from Evercore ISI

Compass Point analyst Dave Rochester maintained a Hold rating on Cullen/Frost Bankers (CFR – Research Report) today and set a price target of $122....

Compass Point Keeps Their Hold Rating on Cullen/Frost Bankers (CFR)

Compass Point analyst David Rochester raised the firm's price target on Cullen/Frost (CFR) to $122 from $111 and keeps a Neutral rating on the shar...

Cullen/Frost price target raised to $122 from $111 at Compass Point

CICHF

TREE

Press Releases

Cullen/Frost Bankers, Inc. Hosts First Quarter 2024 Earnings Conference Call

Frost Bank Improves Customer Experience with Atomic Direct Deposit Switch

Dividends

CULLEN/FROST REPORTS FIRST QUARTER RESULTS

JERRY SALINAS, FROST'S CHIEF FINANCIAL OFFICER, TO RETIRE AT END OF THIS YEAR

Cullen/Frost Bankers, Inc. Hosts Second Quarter 2024 Earnings Conference Call

CULLEN/FROST REPORTS SECOND QUARTER RESULTS

Commodities

Frost Partners with Valor's Mineral Asset Management Software, mineral.tech®

Cullen/Frost Bankers, Inc. Hosts Third Quarter 2024 Earnings Conference Call

CULLEN/FROST REPORTS THIRD QUARTER RESULTS

BOK Financial

Cadence Bank

Commerce Bancshares

Citizens Financial Group, Inc. Common Stock

Citizens Financial Group

Columbia Banking System, Inc. - Common Stock

Columbia Banking System

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